Post # 1
Hi bees, I need to vent a little!
Okay so I was sitting at home tonight getting ready to work on my assignments and the fraud department of my bank called me. Evidentally someone charged $250 to my debit card today, and it wasn’t me! They asked if I had done it, I said no, and they said that they were shutting down my card and to call the bank tomorrow to get a new one and talk it over with them. Wonderful.
So I have to wake up in the morning and call them, and see wtf is going on. I just used my card lastnight to order some cosmetics online and have used the site before, a big named site. Ugh, this is just shitty. So luckily, I have fraud protection and SHOULD get my money back, I’m hoping anyway! All I know is that I want this sorted out, I’m so irritated, mad, and upset. Why do people do these kinds of things!?!
Post # 3
Thats so awful! This happened to me a couple of years ago and luckily I got all my money back.
Im sure it will all work out
Post # 4
I work for a website company and every order that comes in goes through the fraud dept. before we even charge the cards….the process is longer but we get so many fraud orders a day that to cover our butts we keep doing it!
Post # 5
At least they caught it! But the hassle sucks. 🙁
Post # 6
I got a call like that but I was still charged for the costs. Double check to make sure that doesn’t happen to you! I’m still fighting it and it’s almost been a year.
Post # 7
yay for the fraud department, and them calling you to make sure you made that purchase! however, it’s really annoying when they shut down your card BEFORE they call you to make sure it’s really you. It happened to SO and I while we were on vacation =/
Post # 8
I could be wrong but I thought it was a law that you can’t be held liable for fraud (in the US at least). Although that means that it has to be proven that it’s fraud.
Post # 9
Well the problem has been somewhat fixed, when they called me they had already closed my card so it couldnt have anymore charges…now the money is back in my account, but I still have to call the bank to get a new card. Ugh stupid people, I wish I knew who it was!!! makes me so mad! But I am lucky that they caught it fast, and that they handled it, but still, not a pleasant experience…
Post # 10
You might check your computer and your router, I had a virus that scanned my information and it was months before I even knew it was there (and it was in the router also, had to get a new one). I actually got the original one from FB and it led to a secondary that corrupted the whole system.
Post # 11
@Almy_al: my bank shut down my card once and didn’t tell me…for over a week! And the only reason I found out about it was because I kept tyring to use it and It kept getting declined. Finally, I got to the bank and they told me that someone in Spain tried to use my account… well, gee…thanks for telling me…
Post # 12
Oh no! Can I ask which site? Don’t wanna be buying something and get charged! That’s terrible but at least they caught it soon!
Post # 13
I worked for an internet retailer for several years and we never had a case of someones card getting stolen on or from our site. Although people can access your computer remotely without your knowledge, so make sure that you do not have your credit card anywhere on your computer, not in a file or an email or anything like that. Also make sure it is a secure site. You can tell that it is a secure site when you get to the page where you enter any personal info, the http should change to https. I know my old company encrypted the numbers so that even employees could not view anything but the last 4 digits of a credit card. I would not have been able to steal a card number if I had wanted to. Also NEVER give your credit card over the phone to anyone who calls you. Even if you feel it is a legitimate bill.
Post # 14
This happened to both FI and myself a few years ago, about six months apart, and we had different banks at the time. We both got our money back since it was obvious fraud. We were living in SoCal, his card had been duplicated in New York, mine was being used in Stockton, CA (which I find funny b/c we live in the Bay Area now). It took a few days for each of us to get our money back, but we both got back every penny. My bank called and notified me (Navy Fed Cred Union) he had to call his bank (eTrade).
ETA: We moved into a joint account with CitiBank a few weeks after it happened to him (happened to me first) and we’ve been with them for a few years with no problems at all whatsoever)
Post # 15
@agirlwithdreams7: Sorry this has happened. It’s awful, you feel so vulnerable. Glad you’ve got the money back.
Post # 16
This has happened to me about 3 times now with my credit card. The first time is scary and then you learn the process and are mostly just thankful they found it before it became a bigger problem. Recently, I got a call fromt eh fraud department to find out that my purchase on a small EU airline triggered the suspicion. Since the first time it happened, I don’t use my bank card for online purchases, credit card fraud, IMO is easier to handle becaus no actual $$ are lost. Maybe something you want to consider for future.